Summary answer: Given Stafford's genuinely modest, steady price trend (0.3%-1.0% YoY), waiting for rates carries relatively low price-risk here — a lower rate later on a similar price could genuinely work in your favor, especially compared to a market appreciating more sharply.
I'm Johnny with JQ Real Estate. Here's how to think through the actual math.
The trade-off, run through real numbers
| Scenario | Rate | Price Assumption |
|---|---|---|
| Buy now | ~6.65% | Today's price |
| Wait 12 months | Possibly somewhat lower | Modest, roughly flat to 1% increase expected |
What you can do regardless of which way rates move
- Buy now with a plan to refinance later
Let's run your actual numbers
Reach out and let's walk through the real trade-off for your specific target price.
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